Hoʻolālā Hoʻohui Medicare G: ʻO kēia ka Medigap Plan no ʻoe?

Anter

• He aha ka mea kōkua Medicare (Medigap) Plan G?
• Nā Kūlana o Medigap Plan G
• Cons o Medigap Plan G
• He aha ka Medicare supplement (Medigap) Plan G e uhi ai?
• Pehea ke kumukūʻai ʻo Medicare (Medigap) Plan G?
• Āhea wau e kākau inoa ai i ka Medicare supplement (Medigap) Plan G?
• ʻO ka lawe lawe ʻana

ʻO Medigap Plan G kahi hoʻolālā kōkua Medicare e hāʻawi ana i ʻewalu o nā ʻeiwa mau pono i loaʻa me ka uhi Medigap. Ma 2020 a ma ʻō aku, e lilo ʻo Plan G i papahana Medigap ākea loa i hāʻawi ʻia.

He ʻokoʻa ʻo Medigap Plan G mai kahi "ʻāpana" Medicare - e like me Medicare Part A (halepule o ka haukapila) a me Medicare Part B (kauka lapaʻau).

ʻOiai he "hoʻolālā" ia, he koho. Eia nō naʻe, hiki i ka poʻe e hopohopo nei e pili ana i nā kumukūʻai ma waho o ka ʻeke e pili ana i kā lākou olakino ke loaʻa nā hoʻolālā hoʻōla Medicare (Medigap) i kahi koho maikaʻi.

E hoʻomau i ka heluhelu ʻana e ʻike hou aʻe e pili ana i ka Medigap Plan G, nā mea e uhi ai, a me nā mea ʻole.

He aha ka mea kōkua Medicare (Medigap) Plan G?

Kūʻai nā hui ʻinikua pilikino pilikino i nā hoʻolālā kōkua Medicare e kōkua i ka hōʻemi ʻana i nā lilo o waho o ka ʻeke a i kekahi manawa uku no nā lawelawe i uhi ʻole ʻia e Medicare. Kāhea ka poʻe i kēia mau hoʻolālā Medigap. E kūʻai aku kahi hui ʻinikua i kēia e like me ka ʻinikua kōkua Medicare.

Koi aku ke aupuni pekelala i nā ʻoihana ʻinikua pilikino e hoʻoponopono i nā hoʻolālā Medigap. Aia nā ʻokoʻa no Massachusetts, Minnesota, a me Wisconsin, ka mea hoʻohālikelike i kā lākou mau hoʻolālā ʻokoʻa.

Kapa ka hapanui o nā ʻoihana i nā hoʻolālā e nā hua nui A, B, C, D, F, G, K, L, M, a me N.

Loaʻa nā kulekele Medigap i ka poʻe i loaʻa iā Medicare kumu, ʻo ia nā ʻāpana Medicare A a me B. ʻAʻole hiki i kahi kanaka me Medicare Advantage ke loaʻa kahi hoʻolālā Medigap.

E uku ke kanaka me ka Plan G Medigap G i kahi uku Medicare Part B, me kahi uku no kēlā me kēia mahina no Plan G. Eia kekahi, uhi wale kahi kulekele Medigap i kahi kanaka. ʻAʻole hiki i nā kāne ke kūʻai pū i kahi kulekele.

Nā Kūlana o Medigap Plan G

• ka laulā Medigap ākea
• hoʻemi i ka uku o waho o ka ʻeke a me nā kumu i manaʻo ʻole ʻia no nā mea komo Medicare

Cons o Medigap Plan G

• ʻo ka maʻamau maʻamau ʻo Medigap ka uhi (i kēia manawa ʻaʻole i loaʻa ʻo Plan F)
• hiki i ka unuhi ke hoʻonui i kēlā me kēia makahiki

He aha ka Medicare supplement (Medigap) Plan G e uhi ai?

Eia nā kumu mālama ola e uhi ai ʻo Medicare Plan G:

• Mahele ʻĀpana Medicare A me nā kumukūʻai he 365 mau lā ma hope o ka pau ʻana o nā pono Medicare o kekahi kanaka
• ʻO Medicare ʻĀpana B kālā a me nā copayments
• ʻekolu mau kui o ke koko no ka hoʻoliʻiliʻi
• Māhele Medicare He mālama mālama kālā hale hoʻokipa a i ʻole nā ​​copayments
• mākaukau kahu mālama mālama kālā
• Mahele Medicare A lawe ʻia
• ʻO ka uku Medicare ʻĀpana B ʻoi aku ka nui (inā ʻoi aku ke kauka i ka mea i ʻae ʻia e Medicare, e uhi kēia hoʻolālā i ka ʻokoʻa)
• ka huakaʻi huakaʻi haole a 80 pakeneka

Aia he kumukūʻai ʻelua ʻaʻole i uhi ʻo Medicare Plan G i hoʻohālikelike ʻia me ka Plan F mua:

• Unuhi ʻia ka ʻāpana B
• ke hoʻopau ʻia ka palena o waho o ka ʻeke a hoʻoliʻiliʻi makahiki no Medicare Part B

Ma Ianuali 1, 2020, ua hoʻololi ʻia nā hoʻololi i Medicare ua haʻalele ʻia ʻo Plan F a me Plan C no ka poʻe hou i Medicare. I ka wā ma mua, ʻo Medicare Plan F ka papahana hoʻopihapiha ʻoi loa a kaulana ʻo Medicare. I kēia manawa, ʻo Plan G ka ʻoi loa o nā ʻoihana ʻinikua hoʻolālā e hāʻawi.

Pehea ke kumukūʻai ʻo Medicare (Medigap) Plan G?

Ma muli o ka hāʻawi ʻana o Medicare Plan G i ka like like me ka mea ʻole i hāʻawi ʻia e kahi ʻoihana inikua i ka papahana, ʻo ka uku nui ka uku. ʻAʻole hāʻawi nā ʻoihana ʻInikua i nā hoʻolālā ma ka uku o ka mahina like, no laila (uku maoli ia) e kūʻai aku a puni no ke kulekele haʻahaʻa.

Nui nā kumu i komo i loko o ka uku o kahi ʻoihana inikua no Plan G. ʻO kēia mau mea:

• kou mau makahiki
• kou olakino holoʻokoʻa
• ka mokuʻāina hea ʻoe e noho ai
• inā hāʻawi ka ʻoihana ʻinikua i nā uku hōʻemi no kekahi mau kumu, e like me ka non -okerohona a i ʻole uku makahiki ʻana ma kahi o ka mahina

I ke koho ʻana o kekahi i kahi hoʻolālā pākuʻi Medicare, hiki i nā deductibles ke hoʻonui i kēlā me kēia makahiki. Eia nō naʻe, paʻakikī ka paʻakikī o kekahi poʻe e hoʻololi i kā lākou uhi no ka mea ʻelemakule lākou (a ʻoi aku paha ke kiʻekiʻe o nā uku) a ʻike paha lākou i ka hoʻolilo ʻana i nā hoʻolālā.

Ma muli o ka makahiki mua loa kēia o ka Medicare supplement Plan Plan ʻo ia ka hoʻolālā nui loa, malia paha e hoʻonui paha nā ʻoihana ʻinikua olakino i nā kumukūʻai i ka manawa. Eia naʻe, hiki i ka hoʻokūkū ma ka mākeke ʻinikua ke kōkua i ka mālama ʻana i nā kumukūʻai.

Āhea wau e kākau inoa ai i ka Medicare supplement (Medigap) Plan G?

Hiki iā ʻoe ke kākau inoa i loko o kahi hoʻolālā pākuʻi Medicare i kona wā kākau inoa hāmama. Kēia wā - kikoʻī i nā hoʻolālā pākuʻi Medicare - hoʻomaka i ka lā mua o ka mahina ua piha ʻolua mau makahiki a ʻelua a hoʻopaʻa inoa ʻia i Medicare Part B. A laila he 6 mau mahina e kākau inoa ai i kahi hoʻolālā pākuʻi Medicare.

ʻO ke kākau inoa ʻana i kāu wā kau inoa wehe hiki ke mālama iā ʻoe i ka nui o ke kālā. I kēia manawa, ʻaʻole ʻae ʻia nā ʻoihana ʻinikua e hoʻohana i ka palapala kākau lāʻau lapaʻau e uku ai i kāu kulekele. ʻO kēia ʻaʻole hiki iā lākou ke nīnau iā ʻoe e pili ana i kāu kūlana olakino a hōʻole paha e uhi iā ʻoe.

Hiki iā ʻoe ke kākau inoa i kahi hoʻolālā pākuʻi Medicare ma hope o kāu papa inoa inoa hāmama, akā ʻoi aku ka maʻalahi. I kēlā manawa, pono mau ʻoe i nā kuleana hoʻopuka. ʻO kēia kahi mea i loli me kāu mau pono Medicare i waho o kāu kaohi a ʻaʻole hiki i nā hoʻolālā ke hōʻole iā ʻoe i ka uhi ʻana. ʻO nā laʻana me:

• Loaʻa iā ʻoe kahi hoʻolālā Medicare Advantage ʻaʻole hāʻawi hou ʻia i kāu wahi, a i neʻe paha a ʻaʻole hiki ke kiʻi i kāu hoʻolālā Medicare Advantage like.
• ʻO kāu hoʻolālā Medicare mua i hana i ka hoʻopunipuni a i ʻole alakaʻi hewa ʻole iā ʻoe e pili ana i ka uhi ʻana, nā kumukūʻai, a me nā kumu ʻē aʻe.
• Ua panakalupa kāu hoʻolālā pānaʻi Medicare ma mua a ʻaʻole hāʻawi i ka uhi hou ʻana.
• Loaʻa iā ʻoe kahi hoʻolālā pākuʻi Medicare, akā ua hoʻololi ʻia iā Medicare Advantage. Ma lalo o hoʻokahi makahiki ma hope, hiki iā ʻoe ke kuapo i Medicare kuʻuna a me kahi hoʻolālā pākuʻi Medicare.

I kēia mau manawa, ʻaʻole hiki i kahi ʻoihana inikua olakino ke hōʻole e hāʻawi iā ʻoe i kahi kulekele kōkua Medicare.

• Hoʻohana ʻO Medicare.gov's mea hana e loaʻa a hoʻohālikelike ai i nā kulekele Medigap. E noʻonoʻo i kāu mau kumukūʻai ʻinikua o kēia manawa, pehea e hiki ai iā ʻoe ke uku, a inā he ʻano olakino kāu e hoʻonui ai i kāu kumukūʻai mālama ola i ka wā e hiki mai ana.
• Kāhea aku i kāu Polokalamu Kōkua ʻinikua olakino moku'āina (SHIP). E noi i alakaʻi alakaʻi hoʻohālikelike-kūʻai.
• Kāhea i nā ʻoihana ʻinikua i ʻōlelo ʻia e nā hoaaloha a ʻohana paha (a i ʻole nā ​​hui āu i hoʻohana ai i ka wā ma mua). E noi i kahi ʻōlelo no nā kulekele Medigap. E nīnau inā hāʻawi lākou i nā uku hōʻemi hiki iā ʻoe ke kūpono (e like me ka mea puhipaka ʻole).
• Kāhea aku i kāu ʻOihana ʻInikua Mokuʻāina. E noi i kahi papa inoa o nā moʻolelo hoʻopiʻi e kūʻē i nā ʻoihana inikua, inā loaʻa. Hiki i kēia ke kōkua iā ʻoe e hoʻopau i nā ʻoihana e pilikia paha i kā lākou mea e pono ai.

E hoʻomanaʻo, ua kaulike ʻia ka uhi no Medigap. Loaʻa iā ʻoe ka pale like me ka nānā ʻole i ka ʻoihana ʻinikua, kaukaʻi ʻia i ka mokuʻāina āu e noho ai, akā hiki iā ʻoe ke uku liʻiliʻi.

ʻO ka lawe lawe ʻana

Hoʻolālā ʻo Medicare Plan G, i ʻike ʻia ʻo Medigap Plan G, ʻo ia ka ʻoi loa loa o ka hoʻolālā ʻinikua olakino Medicare e hāʻawi nei.

Hiki i ke hoʻolālā ke kōkua i ka hōʻemi ʻana i kāu kumukūʻai ma waho o ka ʻeke ke loaʻa iā ʻoe ka Medicare kumu.

Inā ʻoe e kūʻai i kahi kulekele Plan G, ke kākau inoa ʻana i kāu wā kākau inoa hamama paha ke kumu kūʻai kūpono loa.

Hiki i ka ʻikepili ma kēia pūnaewele ke kōkua iā ʻoe i ka hoʻoholo ʻana pilikino e pili ana i ka ʻinikua, akā ʻaʻole ia i manaʻo ʻia e hāʻawi i nā ʻōlelo aʻoaʻo e pili ana i ke kūʻai a hoʻohana ʻana i nā huahana ʻinikua a me nā ʻinikua paha. ʻAʻole lawelawe ʻo Healthline Media i ka ʻoihana ʻinikua i kekahi ʻano a ʻaʻohe laikini ma ke ʻano he ʻinikua a i ʻole mea hana i kēlā me kēia mana o U.S. ʻAʻole koi a kākoʻo ʻo Healthline Media i nā ʻaoʻao ʻekolu i hiki ke hana i ka ʻoihana ʻinikua.